Theresa Tosh is a Vice-President and Certified Financial Planner at TD Wealth. John Osborne is a Chartered Investment Manager and Certified International Wealth Manager with Wise Advisory Group in Oakville. The Disability Tax Credit Theresa’s #1 piece of advice: Apply for the Disability Tax Credit (DTC) as soon as possible. The DTC reduces your income tax. It can be worth

Karen Landry is a lecturer in Occupational Therapy at Dalhousie University in Halifax. She specializes in hand injuries. We asked Karen about different types of therapy, and the emotional effects of personal injury. Most people have heard of Physiotherapy, often to treat sports injuries. Occupational therapists assess your ability to return to work, then make a plan and schedule. They’re

A “settlement” refers to collecting damages from a personal injury claim without going to court. There are two types of settlements: “lump sum” and “structured”. In a Lump sum settlement, the plaintiff (injured person) receives the entire amount upfront in one big payment. In a Structured settlement, the plaintiff receives some money up-front (to pay for things like medical bills,

Karen Joudrey is a tutor in Occupational Therapy at Dalhousie University in Halifax. She’s an expert in motor vehicle accidents (“MVA”), including whiplash and complex injuries. We asked Karen about common MVA injuries and different types of therapy. The “Big 3” MVA injuries involve the brain, spine and shoulder. If you look online, you’ll often see symptoms such as headaches,

Do you have a claim? Typically you need to have suffered an injury or damages and a third party is at fault. Being able to actually recover compensation on the claim will often depend on whether an insurer or a third party with significant assets is available to respond to your claim. The amount of the claim is usually determined